Homeowner's gen. liability insurance for damage to others caused by new solar system?

[midpitts]

My local power company is suggesting a general liability policy on the damage that could be caused to others by the installation of solar panels on my home. Does anyone know if this general liability insurance is necessary?
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[kb58]

Right, it's not required by law - leaving you to handle being sued for $100K by a neighbor who's child was hit by your windblown panel that broke free.

[Kingram]

I would think your homeowners Insurance would cover it the same way if anything blew off your roof or out of your yard like a storage shed door or panel or AC unit.

[midpitts]

Could the concern the power company has be about electricity from my solar panels causing damage to other homes or individuals?

[Mike90250]

Could the concern the power company has be about electricity from my solar panels causing damage to other homes or individuals?

Not if your expensive, UL listed Inverter works the way it was tested to work.
Your worry is if the panels are anchored well enough to not blow off and decapitate grandma pushing a baby stroller in a hurricane.

[drbob]

your homeowners insurance covers all this. no big deal,

[SunEagle]

It says damage to "persons or property". That could mean POCO personnel or their grid hardware.

It looks like a way to scare a homeowner into not installing a solar pv system.

[DanS26]

It says damage to "persons or property". That could mean POCO personnel or their grid hardware.

It looks like a way to scare a homeowner into not installing a solar pv system.

It just represents that a lawyer was involved in drafting the standard interconnect agreement.

[Mike90250]

your homeowners insurance covers all this. no big deal,

ONLY if the solar is listed on the policy.. Like a room addition, if you don't update the insurance company, they won't cover your additional stuff.

[Raul]

The way I read this is diferent. Over here we call it " public liability insurance" and should be provided by your installer. It refers to damages to property or safety of ppl during instalation. Once that instalation is signed of and becomes a fixture of your immobile property its your responsibility; therefore an upgrade/changes to your house insurance should take place. You have to notify your house insurance of any changes , like a solar instalation on your roof/ yard, renovations and modifications of your house that is diferent than the original plans on your deeds.

[J.P.M.]

My local power company is suggesting a general liability policy on the damage that could be caused to others by the installation of solar panels on my home. Does anyone know if this general liability insurance is necessary?
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It's only necessary to the extent local/state laws require, and also what you know and think of the ability of an insurance product to handle any liability you may incur from a PV installation.

[BFW577]

My power company Eversource in Connecticut demanded I show proof of 300k in homeowners liability insurance when I submited my application for interconnection. Anyone know why they would demand that?

[Crash]

FPL does the same here in FL requiring $1M liability to install a system over 10kwh. They say it to protect their grid but most people have said its just away to limit your system size.

[ButchDeal]

FPL does the same here in FL requiring $1M liability to install a system over 10kwh.

That would be 10Kw

[Kingram]

No such requirement here in Arizona.